It’s very elementary…
Rather than rely on the bank you are applying to, log on to http://www.cibil.com/accesscredit.htm and follow the instruction given there to acquire a copy of your credit report. Check your credit report thoroughly to spot wrong entries, discrepancies which are common. If you spot errors, you can approach Creditfina for rectifying the same and have your CIBIL report repaired.
Next, approach the bank and fill out all the documentation, bearing in mind that you ask for a
fixed rate of interest for the entire tenure. Request for a copy of all the documents that you submit with the bank. Even save copies of your email exchanges with the bank representative.